The short answer
RRB TREAS 310 is a Railroad Retirement Board annuity paid by direct deposit to a retired railroad worker or an eligible survivor. RRB is the U.S. Railroad Retirement Board, and 310 is the Treasury's ACH code for a credit, so the entry marks money coming in, not a fee going out.
Why it shows up like this
RRB TREAS 310 appears because railroad employees are covered by the Railroad Retirement system instead of Social Security. The Railroad Retirement Board certifies your annuity, the Treasury's Bureau of the Fiscal Service sends the payment through the Automated Clearing House, and your bank labels it with the generic 310 credit descriptor that every federal payer shares. The RRB prefix is the piece that identifies the board as the source.
A railroad annuity is built in parts. Tier I roughly mirrors what Social Security would have paid, Tier II is the railroad-specific benefit based on service and earnings, and some retirees also receive a supplemental annuity or a disability annuity. Payments are dated for the first of the month, covering the prior month, and slide to the last business day before the first when it lands on a weekend or federal holiday.
When the figure changes, the usual causes are the annual cost-of-living adjustment applied to Tier I, a disability annuity converting at full retirement age, or a survivor annuity that begins or is recalculated after a death. The Railroad Retirement Board is a separate agency from Social Security, so an RRB line and an SSA line can both appear for the same household in the same month.
Don't recognize it? You might still
- The annual cost-of-living adjustment raised the Tier I portion of your annuity.
- A survivor annuity started or was recalculated after a railroad worker or spouse died.
- A supplemental annuity or a disability-to-age conversion changed your total payment.
- You draw both an RRB annuity and a separate Social Security benefit and are seeing only the RRB half here.
What to do, in order
- Verify it through myRRB Open your account at RRB.gov or call the Railroad Retirement Board. Your annuity payment history and next payment date are listed there, so you can tie the deposit to an official record.
- Match it to your award letter and RRB-1099 Compare the amount to your annuity award notice and to the RRB-1099 or RRB-1099-R tax forms the board issues. These documents break the payment into Tier I, Tier II, and any supplemental amount.
- Report a payment that should have stopped If an annuity keeps arriving after the annuitant has died, or the amount looks too high, notify the RRB promptly. Payments issued after a death must be returned and the board will arrange recovery.
Quick questions
Why do I get RRB TREAS 310 instead of SSA TREAS 310?
Because your career was covered by Railroad Retirement rather than Social Security. The Railroad Retirement Board pays your annuity and routes it through the same Treasury 310 code that Social Security uses, so the only visible difference on the statement is the RRB prefix.
Some months I see two federal deposits. Is that normal?
Yes. Many retirees receive both an RRB annuity and a smaller Social Security benefit, and a supplemental annuity can be paid separately from the regular monthly annuity. Your myRRB account lists each payment so you can tell them apart.
Independent reference — not affiliated with U.S. Railroad Retirement Board. Billing names and policies change; verify with the merchant or your bank before acting.
Verified sources
Every claim on this page is checked against official sources — open them to confirm before you call your bank.
- U.S. Railroad Retirement Board — Frequently Asked Questions https://rrb.gov/faq
- Bureau of the Fiscal Service — U.S. Department of the Treasury https://fiscal.treasury.gov/
Reviewed Sep 25, 2026 · high · About UnknownCharges